You can link your eligible RuPay Credit Card with UPI on Paytm and use it to make payments at supported UPI merchants. This allows you to make UPI payments just like regular transactions while using your credit card limit instead of your bank account balance.

What is RuPay Credit Card?

A RuPay Credit Card is a credit card issued by banks on the RuPay network, which is developed by the National Payments Corporation of India (NPCI). It works like a regular credit card and allows you to make payments using your available credit limit. You can also use eligible RuPay Credit Cards with UPI on Paytm to make digital payments at supported merchants.

Prerequisites to Link RuPay Credit Card with UPI on Paytm

Before linking your RuPay Credit Card on Paytm, ensure you have:

• An eligible RuPay Credit Card issued by a participating bank.
• The mobile number linked with your credit card account.
• The latest version of the Paytm App installed on your smartphone.

Steps to Link RuPay Credit Card on UPI on Paytm

Step 1: Open UPI Settings

• Open the Paytm App.
• Tap on your profile icon at the top-left corner.
• Go to 'UPI & Payment Settings'.
• Select 'Add Credit Line' or 'Add Credit Card'.

Step 2: Select Your Credit Card

• Choose your RuPay Credit Card issuing bank from the available list.
• Your eligible card details will be fetched automatically if your mobile number is linked with the card.

Step 3: Verify and Set UPI PIN

• Verify your credit card details.
• Set a UPI PIN for your RuPay Credit Card using the required card details.

Your RuPay Credit Card is now linked with UPI on Paytm and ready to use for payments.

How to Pay Using RuPay Credit Card Through Paytm

1. Open the Paytm App and tap on Scan & Pay.
2. Scan the merchant's UPI QR code or enter the recipient's UPI ID.
3. Enter the payment amount.
4. Select your linked RuPay Credit Card as the payment source.
5. Enter your UPI PIN and confirm the payment.

Your payment will be completed like a regular UPI transaction using your RuPay Credit Card. However, not all merchants may accept RuPay Credit Card payments on UPI, so the option will be available only at supported merchants.

Benefits of RuPay Credit Card on Paytm

• Easy UPI Payments: Use your eligible RuPay Credit Card to make payments at supported UPI merchants by scanning QR codes, just like regular UPI payments.
• Credit Card Benefits: Continue enjoying applicable credit card benefits such as rewards, offers, and the available credit period on your card.
• Convenience: Make payments through UPI on Paytm without carrying your physical credit card.
• Use Credit Limit for Payments: Pay using your available credit card limit instead of directly using the balance from your bank account.
• Secure Payments: Make UPI payments through Paytm without sharing your card details or physical card with merchants.
• Track Transactions Easily: View your RuPay Credit Card UPI payment details within Paytm for easy tracking and management.